Mizrahi Tefahot Bank Ltd (IL:MZTF)
TASE:MZTF
Want to see IL:MZTF full AI Analyst Report?
Top Page
Mizrahi Tefahot
(TASE:MZTF)
Select Model
Select Model
Rating:71Outperform
Price Target:
25,227.00
▲(4.63% Upside)
Action:Upgraded
Date:05/21/26
The score is driven primarily by solid financial performance (strong TTM growth and healthy profitability) and supportive valuation (low P/E and attractive dividend yield). These positives are tempered by weaker technical momentum (negative MACD and price below key moving averages) and some balance-sheet/cash-flow risk factors typical for banks (leverage and cash-flow volatility).
Positive Factors
Mortgage-focused retail franchise
A durable mortgage franchise anchors the bank's business model by generating stable, long-duration loan assets and deep retail customer relationships. Mortgages support recurring net interest income, cross-sell opportunities, and deposit stability, bolstering long-term revenue resilience.
Negative Factors
Cash-flow volatility
Large swings in operating cash flow and a sharp negative turn in FCF growth reduce predictability for capital allocation, dividends and provisioning. This volatility can force conservative capital buffers and complicate multi-quarter planning for lending growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Mortgage-focused retail franchise
A durable mortgage franchise anchors the bank's business model by generating stable, long-duration loan assets and deep retail customer relationships. Mortgages support recurring net interest income, cross-sell opportunities, and deposit stability, bolstering long-term revenue resilience.
Read all positive factors
Mizrahi Tefahot (MZTF) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪59.38B
Dividend Yield4.11%
Average Volume (3M)409.64K
Price to Earnings (P/E)10.6
Beta (1Y)1.10
Revenue Growth12.78%
EPS Growth1.42%
CountryIL
Employees7,211
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding260,089,720
10 Day Avg. Volume420,187
30 Day Avg. Volume409,640
Financial Highlights & Ratios
PEG Ratio3.80
Price to Book (P/B)1.66
Price to Sales (P/S)1.95
P/FCF Ratio3.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₪26,162.50Price Target Upside8.51% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Mizrahi Tefahot Business Overview & Revenue Model
Company Description
Mizrahi Tefahot Bank Ltd., together with its subsidiaries, provides a range of international, commercial, domestic, and personal banking services to individuals and businesses in Israel, Switzerland, and internationally. It operates through six se...
How the Company Makes Money
Mizrahi Tefahot primarily makes money from net interest income and fee-based income typical of a universal retail/commercial bank. Net interest income is generated by lending (notably residential mortgages and other customer and business credit) f...
Mizrahi Tefahot Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 29.66B | 29.59B | 28.65B | 26.77B | 19.20B | 13.12B |
| Gross Profit | 14.46B | 14.39B | 14.67B | 14.74B | 13.24B | 10.25B |
| EBITDA | 9.36B | 9.41B | 9.27B | 8.16B | 7.29B | 5.37B |
| Net Income | 5.58B | 5.63B | 5.46B | 4.91B | 4.47B | 3.19B |
Balance Sheet | ||||||
| Total Assets | 554.37B | 551.17B | 485.64B | 448.20B | 428.29B | 392.27B |
| Cash, Cash Equivalents and Short-Term Investments | 74.96B | 100.43B | 82.64B | 85.96B | 93.67B | 95.27B |
| Total Debt | 44.72B | 43.05B | 40.18B | 37.81B | 34.07B | 38.66B |
| Total Liabilities | 517.46B | 514.75B | 452.91B | 419.50B | 403.42B | 370.54B |
| Stockholders Equity | 35.25B | 34.77B | 31.29B | 27.46B | 23.78B | 20.77B |
Cash Flow | ||||||
| Free Cash Flow | 12.76B | 16.08B | 13.77B | 3.09B | 3.51B | 3.79B |
| Operating Cash Flow | 13.39B | 16.68B | 14.38B | 3.53B | 3.90B | 4.13B |
| Investing Cash Flow | -57.65B | -57.10B | -43.35B | -20.46B | -34.40B | -25.12B |
| Financing Cash Flow | 33.36B | 41.36B | 25.08B | 9.84B | 28.24B | 30.24B |
Mizrahi Tefahot Technical Analysis
Neutral
24110.00
Price Trends
23289.40
Negative
23636.91
Negative
22466.27
Positive
Market Momentum
-273.47
Positive
46.84
Neutral
35.55
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MZTF, the sentiment is Neutral. The current price of 24110 is above the 20-day moving average (MA) of 23110.50, above the 50-day MA of 23289.40, and above the 200-day MA of 22466.27, indicating a neutral trend. The MACD of -273.47 indicates Positive momentum. The RSI at 46.84 is Neutral, neither overbought nor oversold. The STOCH value of 35.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:MZTF.
Mizrahi Tefahot Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₪59.38B | 10.63 | 16.87% | 4.11% | 12.78% | 1.42% | |
70 Outperform | ₪110.13B | 10.89 | 15.67% | 3.70% | 17.99% | 9.86% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₪101.07B | 10.78 | 15.13% | 3.54% | 20.24% | 17.76% | |
64 Neutral | ₪39.74B | 9.91 | 13.10% | 3.69% | 22.83% | -5.05% | |
58 Neutral | ₪24.69B | 11.18 | 15.81% | 4.57% | 21.26% | -5.22% |
* Financial Sector Average
IL:MZTF
Mizrahi Tefahot
22,830.00
4,041.82
21.51%
IL:LUMI
Leumi
7,460.00
2,142.00
40.28%
IL:FIBI
Fibi Bank
24,620.00
3,806.12
18.29%
IL:DSCT
Discount
3,248.00
423.46
14.99%
IL:POLI
Poalim
7,717.00
2,269.47
41.66%
IL:JBNK
Jerusalem
2,147.00
421.04
24.39%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.